Rising Tides Financial, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 31, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$500⁠-⁠$750/hr

“Our hourly rate ranges between $500 to $750 per hour, depending on the complexity, and these services will be billed in 15minute increments.”

Annual fee

$24,000⁠-⁠$60,000/yr

“Our annual fee ranges from $24,000 to $60,000.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Rising Tides Financial, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The agreed-upon annual fee will be billed quarterly in advance, payable on January 1, April 1, July 1 and October 1 of each year.”
• “The first quarterly payment will be prorated for accounts initiated or terminated during a calendar quarter; based upon the time the account is managed by Rising Tides Financial during the billing period.”
• “The fee may be negotiable, and an estimate of hours will be provided to the client and agreed upon before the start of the relationship.”

How Rising Tides Financial, LLC’s fees compare

• Its hourly rate of $500-$750 is above the Massachusetts median of $300. 98% of the 183 other Massachusetts planners that publish an hourly rate charge less.
• 5 of the 5 other planners in Needham that publish an hourly rate charge less.
• Its annual fee of $24,000-$60,000 is above the Massachusetts median of $8,250. 97% of the 62 other Massachusetts planners that publish an annual fee charge less.
• 3 of the 3 other planners in Needham that publish an annual fee charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Rising Tides Financial, LLC

• Principal: Michael Gross
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP® and CPA.
• Registered as an adviser: 2016 (10 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• Business owners
• Insurance analysis
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Fixed or flat fees

Charges a % of assets

No

Clients

26

Employees

1

Works with

Individuals, high net worth individuals, and charities

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$59,895,367

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

283308

Website

risingtidesfinancial.com (opens in new tab)

Phone

(617) 733-4969

Other planners in Needham that publish fees

• Ama Office Solutions LLCNeedham$3,000/yr
• AndersonlaneNeedham$4,000⁠-⁠$12,000
• Armstrong Advisory Group Inc.Needham$5,000/yr
• Breakwater Financial, LLCNeedham$400/hr, $300⁠-⁠$1,500/mo
• Centerpoint Advisors, LLCNeedham$350⁠-⁠$400/hr, $3,500⁠-⁠$10,000
• Infinite Summer Financial PlanningNeedham$225/hr, $2,500

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